Okeechobee County property record for 3638 SW 18th St, Okeechobee, FL 34974
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,284 sqft · built 1977 |
| Lot Size | 0.333 acres (14,549 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $435 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Mar 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1-30-37-35-0010-00050-0030 |
| Primary APN | 1-30-37-35-0010-00050-0030 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,284 sqft Heated Area |
| Gross Area | 1,542 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,549 sqft (0.333 acres) |
| Lot Dimensions | 130 ft deep x 112 ft wide |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3638 SW 18TH ST |
|---|---|
| City | OKEECHOBEE |
| State | FL |
| Zip | 34974-5440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAK PARK SUBDIVISION (PLAT BOOK 3 PAGE 3) LOT 3 & EAST 1/2 OF LOT 2 BLOCK 5 |
| Legal Range | 35E |
| Legal Township | 37S |
| Legal Section | 30 |
| Legal Subdivision | OAK PARK SUBDIVISION |
| Legal Block | 5 |
| Legal Lot Number | 3,EAST |
| Jurisdiction | OKEECHOBEE FL |
| Township / Civil Division | OKEECHOBEE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 910601 |
3638 SW 18th St is owned and occupied by two individuals who acquired it in August 2001.
Source: Okeechobee County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3638 SW 18TH ST, OKEECHOBEE, FL 34974-5440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 2, 2026 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 31, 2018 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2001 |
| Deed Sale | Aug 3, 2001 |
| Deed Document Number | 0045901457 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Property Address | 3638 SW 18TH ST, OKEECHOBEE, FL 34974-5440 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3638 SW 18TH ST, OKEECHOBEE, FL 34974-5440 |
| Document Number | 0000001137 |
|---|---|
| Date | Feb 2, 2026 |
| Instrument | 2026001137 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Property Address | 3638 SW 18TH ST, OKEECHOBEE, FL 34974-5440 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3638 SW 18TH ST, OKEECHOBEE, FL 34974-5440 |
| Document Number | 0000003469 |
|---|---|
| Date | Mar 14, 2022 |
| Instrument | 2022003469 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Property Address | 3638 SW 18TH ST, OKEECHOBEE, FL 34974-5440 |
| Document Number | 0008021132 |
| Instrument Date | Jan 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3638 SW 18TH ST OKEECHOBEE FL 349745440, OKEECHOBEE, FL 34974-5440 |
| Document Number | 0008021132 |
|---|---|
| Date | Feb 14, 2018 |
| Book Page | 000802/001132 |
| Instrument | 1875 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 13, 2048 |
The 2025 property tax bill for 3638 SW 18th St was $435 with a homeowner's exemption.
Source: Okeechobee County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okeechobee County |
| Unified School District | Okeechobee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $435.00 Homeowner's exemption | $67,289 | $190,597 Land $42,000 Building $148,597 |
| 2023 | $1,063.00 (+12.25%) Homeowner's exemption | $63,488 (+3%) | $189,021 (+26.03%) Land $30,000 Building $159,021 |
| 2022 | $947.00 Homeowner's exemption | $61,639 | $149,984 Land $19,500 Building $130,484 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3638 SW 18th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.
Source: FEMA National Flood Hazard Layer, effective July 16, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 1 (2005) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2005 · Hurricane Wilma |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 3638 SW 18th St is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · lower than 61% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OKEECHOBEE UTILITY AUTHORITY serves 20,000 people · EPA ID FL4470257 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| Lead | 5 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Jan 2020 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 22 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 123 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
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